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Home Loans
- Best Home Loan Rates
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Guides & Help
Home Loans From
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- Heartland Seniors Finance
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- homeloans.com.au
- IMB
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- loans.com.au
- Macquarie Bank
- ME
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- NAB
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- Reduce Home Loans
- Sydney Mutual Bank
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- Westpac
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Jeremy Cabral is the chief operating officer and global head of publishing for Finder. He has written hundreds of comparisons covering everything from credit cards to travel money to Netflix TV shows. Jeremy has a Bachelor of Business (Marketing) from the University of Western Sydney.
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Home Loan Offers
Important Information*
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.
Suncorp Back to Basics Home Loan - Better Together Special Offer $150k+ LVR ≤ 80% (Owner Occupier, P&I)
Get a competitive variable interest rate with no application fee or ongoing fees.
Just turned 65, does this have a vast impact of getting a morgage loan
Hi Vicki,
Thanks for reaching out.
Appling for a home loan at this age may prove more difficult but your ability to qualify for a loan will depend on the type of home loan that you’re applying for as well as your income, assets, credit history and any existing debt that you have (e.g. credit cards or personal loans).
Unfortunately many lenders will view you as a high-risk borrower if you’re no longer in the workforce and therefore do not have a steady income source. As a result, you may be charged higher fees or a higher interest rate depending on the individual lender’s policy.
It’s strongly advised that you speak to a mortgage broker regarding your borrowing options to ensure that you apply for the right type of finance for you. For instance, you may want to consider a fixed-rate home loan for greater certainty and security of knowing what your repayments will be.
You can learn more about the risks involved when applying for finance during your retirement years on this page.
All the best,
Belinda